Submit a Request to Lower IRMAA

  • If you’re subject to the Income-Related Monthly Adjustment Amount (IRMAA) for your Medicare Part B and Part D premiums due to higher income, you can submit a request to lower your IRMAA if your payment has decreased due to certain life-changing events. IRMAA is an additional amount you pay on top of your standard Medicare premiums if your income exceeds certain thresholds. Here’s how you can submit a request to lower IRMAA:

    1. Determine Eligibility: Before submitting a request, ensure you qualify for a life-changing event that allows for an IRMAA adjustment. Everyday eligible events include retirement, divorce, marriage, death of a spouse, or a significant reduction in income due to other reasons.

    2. Gather Documentation: Collect relevant documents proving your IRMAA adjustment eligibility. This might include tax returns, statements of pensions or retirement account withdrawals, proof of marriage or divorce, or other documents demonstrating a change in your financial situation.

    3. Download the Form: Visit the official Social Security Administration (SSA) website and find the specific form. There are different forms for life-changing events, so could you make sure you choose the correct one? The form might be labeled as “Form SSA-44.”

    4. Complete the Form: Fill out the form accurately and completely. Provide the requested information about your income and the life-changing event that qualifies you for the adjustment. Be prepared to attach any supporting documentation as required.

    5. Submit the Form: Once you’ve completed the form and attached the necessary documents, you can submit it to the Social Security Administration. You can submit it online through the SSA’s website, by mail, or in person at your local Social Security office.

    6. Await Response: After submitting your request, the SSA will review your documentation and decide. You will get a response from the SSA informing you about their decision and any adjustments to your IRMAA.

    7. Appeal if Necessary: If your request is denied or you disagree with the SSA’s decision, you have the right to appeal. Follow the instructions provided in the denial notice to initiate the appeals process.

    It’s important to note that not all life-changing events will automatically lead to a lower IRMAA. BASED ON THEIR GUIDELINES, the SSA will evaluate your request and documentation to determine if you qualify for an adjustment. Please carefully follow the instructions on the form and provide accurate and complete information to improve your chances of a successful adjustment.

We do not offer every plan available in your area. Currently we represent 6 organizations that offer 46 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.